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2023 Toyota Camry Cost to Own

Total 5-Year Ownership Costs

Camry Sedan

SE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$36,416*

Total Cash Price

$30,020

LE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$35,405*

Total Cash Price

$28,312

XSE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$39,534*

Total Cash Price

$34,664

SE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$39,066*

Total Cash Price

$31,322

LE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$37,138*

Total Cash Price

$29,715

XLE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$39,760*

Total Cash Price

$33,355

XSE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$46,864*

Total Cash Price

$39,708

TRD 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$43,391*

Total Cash Price

$35,692

XSE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$40,902*

Total Cash Price

$35,836

SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$36,805*

Total Cash Price

$30,612

XLE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$42,087*

Total Cash Price

$35,187

SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$38,709*

Total Cash Price

$31,823

XLE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$44,605*

Total Cash Price

$38,694

Ownership Costs: 5-Year Total

Depreciation

$14,804

Taxes & Fees

$1,635

Financing

$6,948

Fuel

$10,608

Insurance

$4,387

Repairs

$744

Maintenance

$4,265

Ownership Costs: 5-Year Breakdown

Selected Model:

2023 Camry Sedan SE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,772$3,741
Repairs$0$0$107$259$378$744
Taxes & Fees$1,245$41$41$41$41$1,409
Financing$1,993$1,614$1,203$758$276$5,844
Depreciation$6,182$1,498$1,418$1,663$1,576$12,337
Fuel$1,562$1,609$1,657$1,707$1,758$8,293
True Cost to Own®$11,786$6,047$5,696$6,220$6,667$36,416
Selected Model:

2023 Camry Sedan LE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,526$3,495
Repairs$0$0$107$259$378$744
Taxes & Fees$1,177$41$41$41$41$1,341
Financing$1,880$1,522$1,135$714$260$5,511
Depreciation$6,289$1,384$1,310$1,536$1,454$11,973
Fuel$1,562$1,609$1,657$1,707$1,758$8,293
True Cost to Own®$11,712$5,841$5,520$6,049$6,283$35,405
Selected Model:

2023 Camry Sedan XSE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$787$815$843$873$903$4,221
Maintenance$49$504$461$955$2,013$3,982
Repairs$0$0$107$259$378$744
Taxes & Fees$1,430$41$41$41$41$1,594
Financing$2,302$1,863$1,389$875$319$6,748
Depreciation$5,953$1,882$1,783$2,090$1,980$13,688
Fuel$1,612$1,660$1,710$1,761$1,814$8,557
True Cost to Own®$12,133$6,765$6,334$6,854$7,448$39,534
Selected Model:

2023 Camry Sedan SE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,668$3,637
Repairs$0$0$124$296$434$854
Taxes & Fees$1,297$41$41$41$41$1,461
Financing$2,080$1,684$1,255$791$287$6,097
Depreciation$7,040$1,653$1,564$1,834$1,738$13,829
Fuel$1,722$1,773$1,826$1,881$1,938$9,140
True Cost to Own®$12,943$6,436$6,080$6,635$6,972$39,066
Selected Model:

2023 Camry Sedan LE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,422$3,391
Repairs$0$0$124$296$434$854
Taxes & Fees$1,233$41$41$41$41$1,397
Financing$1,973$1,598$1,190$751$273$5,785
Depreciation$7,568$1,207$1,141$1,339$1,268$12,523
Fuel$1,722$1,773$1,826$1,881$1,938$9,140
True Cost to Own®$13,300$5,904$5,592$6,100$6,242$37,138
Selected Model:

2023 Camry Sedan XLE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$787$815$843$873$903$4,221
Maintenance$49$504$461$955$1,772$3,741
Repairs$0$0$107$259$378$744
Taxes & Fees$1,378$41$41$41$41$1,542
Financing$2,215$1,793$1,337$842$306$6,493
Depreciation$7,918$1,593$1,507$1,769$1,675$14,462
Fuel$1,612$1,660$1,710$1,761$1,814$8,557
True Cost to Own®$13,959$6,406$6,006$6,500$6,889$39,760
Selected Model:

2023 Camry Sedan XSE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$818$847$876$907$939$4,387
Maintenance$49$525$472$1,054$2,107$4,207
Repairs$0$0$107$259$378$744
Taxes & Fees$1,631$41$41$41$41$1,795
Financing$2,637$2,135$1,591$1,002$365$7,730
Depreciation$8,138$2,353$2,226$2,610$2,473$17,800
Fuel$1,921$1,979$2,038$2,100$2,163$10,201
True Cost to Own®$15,194$7,880$7,351$7,973$8,466$46,864
Selected Model:

2023 Camry Sedan TRD 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$818$847$876$907$939$4,387
Maintenance$49$525$472$1,054$2,165$4,265
Repairs$0$0$107$259$378$744
Taxes & Fees$1,471$41$41$41$41$1,635
Financing$2,370$1,919$1,430$901$328$6,948
Depreciation$7,217$1,847$1,748$2,051$1,941$14,804
Fuel$1,998$2,058$2,120$2,183$2,249$10,608
True Cost to Own®$13,923$7,237$6,794$7,396$8,041$43,391
Selected Model:

2023 Camry Sedan XSE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$787$815$843$873$903$4,221
Maintenance$49$504$461$955$1,909$3,878
Repairs$0$0$124$296$434$854
Taxes & Fees$1,477$41$41$41$41$1,641
Financing$2,380$1,926$1,436$905$329$6,976
Depreciation$6,700$1,743$1,648$1,934$1,831$13,856
Fuel$1,785$1,838$1,894$1,950$2,009$9,476
True Cost to Own®$13,178$6,867$6,447$6,954$7,456$40,902
Selected Model:

2023 Camry Sedan SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,772$3,741
Repairs$0$0$107$259$378$744
Taxes & Fees$1,269$41$41$41$41$1,433
Financing$2,033$1,646$1,226$773$281$5,959
Depreciation$6,166$1,564$1,478$1,736$1,643$12,587
Fuel$1,562$1,609$1,657$1,707$1,758$8,293
True Cost to Own®$11,834$6,145$5,779$6,308$6,739$36,805
Selected Model:

2023 Camry Sedan XLE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$787$815$843$873$903$4,221
Maintenance$49$504$461$955$1,668$3,637
Repairs$0$0$124$296$434$854
Taxes & Fees$1,451$41$41$41$41$1,615
Financing$2,337$1,891$1,410$888$324$6,850
Depreciation$8,867$1,599$1,513$1,775$1,680$15,434
Fuel$1,785$1,838$1,894$1,950$2,009$9,476
True Cost to Own®$15,276$6,688$6,286$6,778$7,059$42,087
Selected Model:

2023 Camry Sedan SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$755$781$809$837$866$4,048
Maintenance$49$504$461$955$1,668$3,637
Repairs$0$0$124$296$434$854
Taxes & Fees$1,317$41$41$41$41$1,481
Financing$2,113$1,711$1,275$803$293$6,195
Depreciation$6,652$1,632$1,544$1,811$1,715$13,354
Fuel$1,722$1,773$1,826$1,881$1,938$9,140
True Cost to Own®$12,608$6,442$6,080$6,624$6,955$38,709
Selected Model:

2023 Camry Sedan XLE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$818$847$876$907$939$4,387
Maintenance$49$525$472$1,054$1,865$3,965
Repairs$0$0$107$259$378$744
Taxes & Fees$1,591$41$41$41$41$1,755
Financing$2,569$2,081$1,550$977$355$7,532
Depreciation$7,782$2,006$1,898$2,227$2,108$16,021
Fuel$1,921$1,979$2,038$2,100$2,163$10,201
True Cost to Own®$14,730$7,479$6,982$7,565$7,849$44,605

*Based on a 5-year estimate with 15,000 miles driven per year.

Shop nowLearn about the 2023 Camry 

True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.



Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2023 Toyota Camry in Virginia is:

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